When the markets get jumpy people start to wonder whether their retirement savings are going to go the distance. Now might be a good time to review the basics, aka “The 10 Commandments of Retirement.”

My favorite is Commandment #10: “Invest in ways that will provide a steady income stream in retirement. In many ways, retirement is no different from your working years: You want a steady flow of income. Do not be totally exposed to stock market fluctuations. You don’t want to worry about where [your withdrawals] will come from each year.”

One decree some might take exception to is using municipal bonds to reduce retirement taxes. It may be just a question of timing, but one has to consider whether bond funds make sense in a rising interest rate environment. There’s also the default risk some municipalities may pose.